Lee County property record for 10517 Otter Key Ln, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,875 sqft · built 2020 |
| Lot Size | 0.201 acres (8,746 sqft) |
| Owner | Individual Name on File |
| Last Sale | $460,800 (Jul 2020) |
| Tax Bill | $7,835 (2025) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 26-46-25-E1-38000.2370 |
| Primary APN | 26-46-25-E1-38000.2370 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,875 sqft Living Area |
| Gross Area | 3,790 sqft |
| 1st Floor Area | 2,080 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Exterior Material | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 8,746 sqft (0.201 acres) |
| View / Lot | Lake |
| Garage Type | Attached |
| Garage Area | 459 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 300 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 456 sqft |
| Patio Area | 495 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10583636 |
|---|---|
| Street Address | 10517 OTTER KEY LN |
| City | ESTERO |
| State | FL |
| Zip | 33928-4044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPD |
| Legal Description | TIDEWATER PH 3 LOT 237 AS DESC IN INST 2018000016172 |
| Legal Range | 25E |
| Legal Township | 46S |
| Legal Section | 26 |
| Legal Subdivision | TIDEWATER PH 3 |
| Legal Phase | 3 |
| Legal Block | 1 |
| Legal Lot Number | 237 |
| Jurisdiction | LEE FL |
| Township / Civil Division | LEHIGH ACRES |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 40118 |
10517 Otter Key Ln is owned and occupied by an individual who bought it in July 2020.
Source: Lee County records, as of April 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10517 OTTER KEY LN, ESTERO, FL 33928-4044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2020 · Amount on File |
| Deed Sale | Jul 17, 2020 · Amount on File |
| Deed Document Number | 2020162696 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Jul 17, 2020 |
| Property Address | 10517 OTTER KEY LN, ESTERO, FL 33928-4044 |
| Document Number | 0000162696 |
| Map Reference | DOC 2018000016172 |
| Instrument Date | Jul 9, 2020 |
| Instrument | 2020000162696 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 10, 2022 |
| Title Company | PGP TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,225.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24311 WALDEN CENTER DR # DR300, 24311, BONITA SPRINGS, FL 34134-4937 |
| Name | Verified Name |
|---|---|
| Address | 10517 OTTER KEY LN, ESTERO, FL 33928-4044 |
| Document Number | 0000162697 |
|---|---|
| Date | Jul 17, 2020 |
| Instrument | 2020000162697 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 10517 Otter Key Ln was $7,835 with a homeowner's exemption.
Source: Lee County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Lee County |
| Municipality | Estero Village |
| Unified School District | Lee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,835.00 Homeowner's exemption | $613,800 Land $116,280 Building $497,520 | $613,800 Land $116,280 Building $497,520 |
| 2023 | $8,096.00 (+27.22%) Homeowner's exemption | $634,790 (+28.73%) Land $114,592 Building $520,198 | $634,790 (+28.73%) Land $114,592 Building $520,198 |
| 2022 | $6,364.00 | $493,122 Land $77,600 Building $415,522 | $493,122 Land $77,600 Building $415,522 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10517 Otter Key Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 79 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 79 in force |
| Nearby Flood Claims | 2 (1988–2022) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 10517 Otter Key Ln is moderate, ranking above 40% of the US, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LEE COUNTY UTILITIES serves 282,556 people · EPA ID FL5364048 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Blue Stream, CenturyLink, Hotwire Communications, Verizon.
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